Kotak Cashback+, Air+ & Air Credit Cards Now at ₹0 Joining Fee

Kotak Mahindra Bank has introduced a limited-time offer where its Cashback+, Air+, and Air Credit Cards are available with ₹0 joining fee.

This makes it a good opportunity to try these cards without any upfront cost. Each card is designed for a different type of user—from beginners to frequent travelers.

What is the Offer?

• Joining Fee: ₹0 (Limited Time)
• Applicable on:
  • Kotak Cashback+ Credit Card
  • Kotak Air+ Credit Card
  • Kotak Air Credit Card

This offer reduces the entry cost and makes these cards more accessible.

Kotak Cashback+ Credit Card – Key Features

This is an entry-level cashback card best suited for everyday spending.

Cashback Benefits

• 5% cashback on:
  • Food delivery
  • Grocery
  • Entertainment
• 3% cashback on fuel
• 0.5% cashback on all other spends

Who Should Apply?

• Beginners
• Users with moderate online spends
• People looking for simple cashback

Kotak Air+ Credit Card – Key Features

This is a mid-level travel card for frequent flyers.

Rewards Structure

• 5 Air Miles per ₹100 on:
  • Flight bookings
  • Hotel bookings (via Kotak Unbox)
• 2 Air Miles per ₹100 on other spends

Travel Benefits

• Complimentary lounge access
• Low forex markup
• Travel-focused rewards

Who Should Apply?

• Frequent travelers
• Users exploring air miles
• People who book travel online

Kotak Air Credit Card – Key Features

This is a basic travel card for beginners.

Rewards Structure

• 3 Air Miles per ₹100 on:
  • Flights & hotels (via Kotak Unbox)
• 1 Air Mile per ₹100 on other spends

Why Consider This Card?

• Lower cost compared to Air+
• Simple reward structure
• Good for first-time travel card users

Kotak Cards Comparison

Extra Visa Offer

If you choose the Visa variant, you may get:

• Voucher up to ₹500
• Brands include:
  • Amazon
  • Swiggy
  • Flipkart
  • Zomato

Should You Apply?

Choose Cashback+ if:

• You want simple cashback
• You spend on food, grocery, entertainment

Choose Air+ if:

• You travel frequently
• You want better rewards + lounge access

Choose Air if:

• You are new to travel cards
• You want a low-cost option

Bottom Line

Kotak’s ₹0 joining fee offer makes these cards more attractive for all types of users:

• Cashback+ → Best for everyday savings
• Air → Good starting travel card
• Air+ → Better rewards for frequent travelers

If any of these match your needs, this limited-time offer is a good chance to apply without paying any joining fee.

Apply for a Credit Card & Get Instant Approval

Apply Now →